The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$25,675
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,473
−HK$812/mo
Today · 4.125%
HK$27,285
baseline
▲ 0.50% · 4.625%
HK$28,945
+HK$1,660/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,570/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,563
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,329
−HK$777/mo
Today · 4.125%
HK$30,106
baseline
▲ 0.50% · 4.625%
HK$31,693
+HK$1,587/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,212/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,810
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,768
−HK$974/mo
Today · 4.125%
HK$32,742
baseline
▲ 0.50% · 4.625%
HK$34,734
+HK$1,992/mo
Deposit HK$4.50M · loan HK$6.76M · min. income ≈ HK$65,484/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,276
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,195
−HK$932/mo
Today · 4.125%
HK$36,127
baseline
▲ 0.50% · 4.625%
HK$38,032
+HK$1,905/mo
Deposit HK$4.50M · loan HK$6.76M · min. income ≈ HK$72,254/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,945
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,063
−HK$1,136/mo
Today · 4.125%
HK$38,199
baseline
▲ 0.50% · 4.625%
HK$40,523
+HK$2,324/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,398/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,988
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,061
−HK$1,088/mo
Today · 4.125%
HK$42,149
baseline
▲ 0.50% · 4.625%
HK$44,370
+HK$2,221/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,298/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,215
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,652
−HK$1,461/mo
Today · 4.125%
HK$49,113
baseline
▲ 0.50% · 4.625%
HK$52,101
+HK$2,988/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$98,226/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,413
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,792
−HK$1,399/mo
Today · 4.125%
HK$54,191
baseline
▲ 0.50% · 4.625%
HK$57,048
+HK$2,857/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$108,382/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,237 · Scale 2, in force from 26 Feb 2026)